9/27/18

Okay I know we don't usually get too in-depth on investment talk, but I argue that this is more about having good sense and business in general rather than investing advice -- although yes it is an analysis of an investment option.

Tesla CEO Elon Musk, possibly the brightest mind in the universe, tweeted on August 7th that he was considering taking Tesla private.

Assuming Elon still intends to take Tesla private, he's depleted about 25% of Tesla's value. Doesn't that destroy a huge chunk of Elon's $20 BILLION net worth? Yep, he's lost about $1 billion.

But let's step back for a second and think about how this all started. Elon is an inventor and an innovator, not a particularly savvy or passionate businessman. This is complete speculation, but I would imagine Elon doesn't like having to constantly rationalize his decisions and actions to a board and investors.

So maybe he was actually telling the truth about his intention to take Tesla private. And what have his actions done to the chances of that actually happening? HE'S LOST $1 BILLION, SO HE CAN'T POSSIBLY AFFORD TO TAKE TESLA PRIVATE, RIGHT??!?!?!!

Tesla has 170,593,000 shares outstanding according to NASDAQ. Elon destroyed $100 per share in value with two very simple actions.

Elon just saved himself $17.0593 BILLION on the purchase price of his own company assuming he sticks with the initial 20% premium.

So do we really think Elon Musk is stupid? Or do we think this man just saved himself $16 billion on a decision to make himself happier by ridding his life of annoying shareholders and board members?

But the media continues to portray Elon's actions as catastrophic to Tesla's overall well-being, and Elon plays their game with his statements about how he's "deeply saddened and disappointed."

On the inside, I believe Elon doesn't give a shit about what you think or about what the media thinks. He just saved $16 billion, and my man is laughing all the way to the bank.

Cutthroat, don't give a shit attitudes and actions like this are why the world has billionaires and then the rest of us, who wouldn't even consider going to such great lengths to build or preserve wealth, dreaming about the lives these people actually live.

Keep getting your money, Elon. You can count me as one of the few rooting for you.

DISCLAIMER: This is completely based on a theory I made up in my own head and is probably not factually true in any way. Plus, Elon may have just been on acid this whole time which pretty much just throws my theory out the window.

9/11/18

Money isn't the key to happiness. Money itself isn't even a factor in happiness.

I do believe that the absence of money can cause extreme stress which can cause happiness to be much harder to come by. But making, saving, and generally having money doesn't directly correlate with higher happiness levels.

Money's meaning in our lives can certainly vary person to person. The most important value money brings to my life is freedom.

Money = Freedom To Live On My Terms

I'm working hard nearly everyday (still need to step it up a notch) to save so I can increase my net worth and most importantly to build multiple streams of income so I can start living completely on my own terms.

I've had several vacations packed in from the end of July through last weekend. I'm not saying I want to live my life like one giant vacation (I don't think traditional retirement will ever be for me). The part of vacation I want to take into my everyday life is the ability to spend time exactly how I want and with exactly whom I want.

I don't need to be on the beach every day.
But having the opportunity to spend more
time with Amanda & the rest of my friends & family
is something I'm working relentlessly toward.

I've talked to other entrepreneurs who cite one of their biggest motivational factors is to be able to make a real impact on the world with the people they care about the most.

This is not meant at all to be a slight on my coworkers. I really enjoy my coworkers and am blessed to have the job I have. But we all spend time together on Marathon's terms, and most of us would never have even met if it weren't for Marathon bringing us together. Again, I'm happy to know them, but we're not exactly motivated to band together to make serious change in the world.

I spend a lot of time recruiting my friends into working toward their own entrepreneurial dreams. I haven't even had a small taste of success yet, but I know it's coming. And when it does come, I want to have already surrounded myself with the supporting cast and collaborators I want and need to keep the train rolling.

Taking a step back a bit, saving money and becoming debt free has allowed me the freedom to do pretty much whatever I want in my life today. An important caveat here is that I don't have lavish and lofty desires for my lifestyle. But if Ty or Christian call me tomorrow and want to plan a trip to the beach, Vegas, or to watch the Browns in the Super Bowl, I have the freedom to take advantage of that opportunity if I want.

Everybody Is Different. What's Your Motivating Factor?

Based on my observations, there's a tendency in the personal finance space to being frugal or saving a pile of cash that allows people to retire at 30 instead of 65. But that's not very motivating to me. And I'd bet plenty of you are in that same boat.

If you're not motivated to go buy a tiny house and hunt for your dinner every night to save a few bucks, what are you motivated by? Maybe you don't even have a great answer for that right now. That's 100% normal and okay.

Help Us Help You!

Take a moment to think about your answer and let us know in the Facebook comments. Surrounding yourself with like minded people to motivate you and hold you accountable is one of the most effective ways to reach your goals. Ty, Christian, the Smart Money Squad, and I want to help you.

9/6/18

Hey, Squad. Alex here. This week's post comes from my amazingly intelligent and beautiful fiancé, Amanda! Amanda is currently finishing up her Master's degree in fashion and retail studies with focuses in body image and sustainability, so if I'd say it's a pretty good idea for us to all listen up!

Amanda included some referral links for the awesome money saving platforms she wrote about. If you want to give them a shot, use her links so she gets a little extra bonus from each company! Trust me, it won't negatively affect you in the slightest.

According to the Bureau of Labor Statistics American
households spend around $1800 per year on clothing items and accessories. I’m
sure for some of you that number is even more. Not only are we spending a significant
chunk of our income buying clothes, we’re also creating a huge amount of waste
getting rid of them.

On average, Americans throw away around 70 lbs of textiles,
including clothing, shoes, and accessories, every year! We’re buying clothing
just to throw it away, which doesn’t make sense (or cents.. I’m funny right?
Right. Moving on). This pattern doesn’t just hurt your wallet, it hurts the
environment.

So what can you do to solve these problems? Follow these
tips I’ve come up with to help save your wallet and the earth!

1. Use coupons in
stores and online.

Gone are the days of spending time pouring through mailers
and newspapers clipping coupons that you end up stashing away in a folder and never
actually remember to use (Be sure to recycle those, by the way!). Most
retailers now offer digital coupons or promo codes, which make it easy to store
your coupons on your phone or computer.

The convenience doesn’t stop there, though! There are plenty
of online platforms that actually do the coupon searching for you! Some of my
favorites include Honey, RetailMenot, and UNiDAYS. I’ll go a little more in
depth with each one.

Honey: Honey is a
browsing extension that you can download for free. Once you download the
extension and sign up for an account, Honey searches the web for coupons and
promo codes that it automatically adds to your online purchases if applicable!
They’re affiliated with over 30,000 retailers, so there are plenty of
opportunities to save some money when using Honey.

They even offer Honey
Gold, which is like their own “cashback” system. When they’re given commission
for a purchase made through their extension, they share the love and give you
points which eventually translate into free online gift cards to use with some
of their larger affiliated retailers – think Nordstrom, Target, and Amazon.

Click the button to save some money with Honey!
Isn't their mascot the CUTEST????

RetailMeNot: If
you’re online shopping and want to double check if the retailer you’re shopping
at has any available coupon codes, check yourself on RetailMeNot! Simply type
the retailer into their search engine and see what deals pop up. I personally
think their best deals are their gift card deals. They list retailers who are
offering discounts on their gift cards, which means you could end up paying
less than $20 for a $25 gift card to your favorite store and then use even more
discount codes once you get the gift card - double savings!

RetailMeNot also offers an app, so you can easily browse and
get notifications for the latest deals on your phone. They offer in-store only printable
coupons, as well, for those of you not interested in online shopping!

UNiDAYS: This
platform is perfect for broke college students like me! Like the other two
platforms, UNiDAYS also lists retailer coupon codes and special discounts that
can be applied to purchases. However, what makes them so special is that they
specifically target college students and collaborate with tons of brands that
you love for exclusive discount offers that you can’t find anywhere else!

After signing up with a university email account, you can
begin to explore their thousands of deals from brands like Adidas, Levi’s, and
MissGuided and apply them yourself while you’re online shopping.

2. Don’t be afraid to
give your email away.

If you’re checking out an online store for the first time, look
to see if they have a first-time buyer discount! Most stores from Forever 21 to
Levi’s to Tobi offer either a percentage or dollar amount off of your first
order if you give them your email.

Don’t let this scare you away! If you think you’ll shop at
this retailer again and don’t want to be spammed with a ton of emails, I
suggest creating an email account specifically for email offers! Many retailers
offer email exclusive deals and early discounts for their subscribed shoppers,
so it’s a good idea to stay on their email lists.

On the other hand, if you decide you’re not totally into
their style, simply opt out of their emails after you’ve already made your
first purchase and saved your money. You’re not really creating any junk here
except junk mail (GUYS. I know. I’ll stop), so feel free to sign up for all of
the email subscriptions you want without worrying about the environment!

3. Shop at off-price
stores.

Stores like TJ Maxx, Marshalls, and Sierra Trading Post are
great ways to save some money and the environment! Yes, these are all owned by
the same company, but I absolutely love their business model.

There are a few different ways that these stores buy including
the following: they buy clothing from deals between stores and manufacturers
that fell through or were cancelled, they buy overstock when manufacturers
produce too much, and they purchase end-of-season merchandise from other
retailers. This is good for your wallet because these off-price stores are able
to purchase their product cheaply and sell it to you for much less than
traditional retail price.

Even better, this is good for the environment because these
stores are purchasing clothing that could otherwise be thrown away or burned,
and they’re producing less waste in the long run by purchasing only
pre-produced items! Be sure to use a reusable shopping bag to cut down on your
environmental impact, as well.

4. Buy used.

When it comes to clothes shopping, I see this is the
absolute best option to save money and the earth! Check out thrift stores,
consignment stores, or anywhere else they sell used clothing. At these stores,
you can buy used and sometimes new clothing for a fraction of traditional
retail price.

Current fashion trends include vintage Levi’s jeans, denim
jackets, and oversized t-shirts, and you can find all of these items at thrift
stores, such as Goodwill or the Salvation Army. I’ve personally found vintage Levi’s
jeans for $3 a pair! Most used clothing stores offer special discount days, too,
such as 10% off all items with yellow tickets, and they tend to offer student
discounts with a valid ID.

If you’re more interested in current clothing, shop at
stores like Plato’s Closet or Buffalo Exchange. When you buy used, you’re ultimately
helping to reduce your carbon footprint, pollution, and waste!

5. Rent clothing, or
borrow it!

Many people abide by the unspoken rule that you can’t wear a
dress twice. Please, BREAK THAT RULE for the sake of your wallet and the
environment! But if you just can’t bring yourself to wear something more than
once, consider renting it instead of purchasing it.

One of my favorite rental sites is Rent The Runway, which
allows you to rent moderately priced clothing and even designer gowns for cheap.
Rental periods start at 4 days, so you have plenty of time to receive your
rental and return it. Rentals include a garment in two sizes AND a backup
selection in case things don’t work out with your first choice.

See, you can rent this $398 Kate Spade dress for $60!

They’ve now begun offering monthly rental subscriptions, so
you can rent your favorite pieces and swap them out for a fresh wardrobe at the
end of the month. If you’re not interested in renting clothing, ask your
friends or family to borrow something of theirs instead!

6. Shop a sale or
clearance.

Sales are clearly a great way to save some money while
shopping, but you shouldn’t go overboard. Let me explain.

Retailers spend their money to buy clothing, increase the
price, and sell it to you for more to make a profit. For instance, your
favorite clothing store buys a t-shirt that costs $5 to produce, which means
that the t-shirt is ultimately worth $5. They have to increase the price to get
the shirt to you and make some money, so they sell the shirt for $12. The markup
retail price of $12 allows room for customers to make returns and for the
retailer to hold sales throughout the year.

They mark the price up knowing that they will still make enough
money off of it at sale price! This is why you should wait for a sale if you
can and why I rarely buy anything at full price.

I should leave you with an even more important piece of
advice, though. Don’t buy something just because it’s on sale! Sometimes we get
into the spirit of bargain hunting and take it a little too far, buying things
that we don’t need and likely won’t wear just because it’s cheaper than
normal. Don’t give into that mindset! Buy only what you truly like and need
because sale prices add up, and so does the pile of unworn clothing in your
closet - that you’re going to recycle or donate. Really drilling this saving
the environment thing in your head.

7. Most importantly,
stop buying so much!

It’s as simple as that. Sorry to be harsh, but over shopping
is absolutely horrible for the environment and your wallet. Here’s how to start!

I suggest looking through your closet to get a sense of your
personal style. If you don’t like anything you own, turn to Pinterest for some style
inspiration. Once you’ve decided on how you want to dress, your second step is
to decide what it is you need to buy to create that personal style and the look
you want.Write down a list of items you want to buy to complete your
look. List in hand, go ahead and do some shopping.

Be mindful of what you’re
buying, though! Sometimes, a $200 dress is a better deal than a $25 dress. If
you want a staple black dress that you can wear more than just a couple of
times, consider practicing investment dressing. Spending more can be worth it because the more expensive,
classic option is likely to be higher quality and will stay in style for much
longer. A $25 dress worn 2 times puts you at $12.50 per wear, but a $200 dress
worn 25 times puts you at $8 per wear. It becomes the more affordable option!

After you’ve developed a staple wardrobe, simply buy a few
trendier items per season to keep it up-to-date. Investment dressing significantly
reduces the amount of clothing waste you create, so can look great and feel great
about your environmental impact!

I hope that you’re able to incorporate one or two or maybe
even all of these tips into your shopping! If you have any other tips, be sure
to leave a comment and let me know how you save money while you’re shopping because,
as mentioned above, I am a poor college student who needs all the help she can
get!

One tip Amanda forgot to include is to always bring
your pack mule when shopping. You can accessorize
pack mules with any clothing and bags you'd like, and
they'll even usually put away the clothes you don't want!*Disclaimer - I haven't always lived a green lifestyle
(plastic bags, fast fashion, etc.), but I'm doing my
best to live that way now! Baby steps, people! - Amanda*

In all seriousness, I know this blog is focused on saving
you some coin, but I’m focused on saving the earth. So even if you don’t follow
my tips for green shopping to save money, please please PLEASE start to think
about how your everyday actions, like using a reusable shopping bag vs. a plastic
bag or donating/recycling an old pair of shoes vs. throwing it away, can
positively impact the environment!

8/21/18

If you've read our Discover IT & Chase Freedom posts, you'll know that there is tons of money to be made in maximizing your category spend every quarter. Every three months, companies like Discover & Chase offer credit cards with a category spend bonus, meaning that for those three months, you'll earn 5% cashback on spending rather than 1%! If you play your cards right, that's $600 per card, per year...meaning you could walk away with a whopping $1200 in extra cashback if you maximize spend.For me, $1200 can go a LONG way in impacting my financial wellness. I'd be able to:

Make an extra payment on my mortgage (and get closer to removing PMI!)

Regardless on how you use it, $1200 extra dollars a year us nothing to scoff at. Since we're in the business of making you money, I've put together a list of the category spend for the Discover It card & how I'd go about meeting the maximum spend in each quarter. There is overlap with Chase & Discover's categories, so feel free to use the Discover category advice and apply it to your Chase spending! There are lots of creative ways to maximize your category spending, so please keep that in mind & comment any suggestions/methods you've used to earn that extra cashback!

As you can see, you'd clear $600 cash on just the category spending alone if you were able to meet the max spend in each category quarterly. $1,500 in three months may seem daunting to you guys, so let me give you a few tips on how to meet minimum spend in these categories:

Gas Stations/Wholesale Clubs: While ensuring you pay for your own gas with the Discover IT, offer to pay for your friends' gas in exchange for cash/Venmo/Paypal. If you live with roommates and need to stock up at Costco, offer to pay the whole bill and have your friends pay you back. These trips (especially for my 8-person college house) could exceed $400 quick-combine these methods and you'll be well on your way to $1,500!

Grocery Stores: As outlined in our "Vacation Like a Baller" post, there are methods beyond simply buying groceries that will allow you to meet minimum spends quickly. Check out Visa Variable gift cards if you need to meet minimum spends quickly-and reach out to Smart Money Seed if you need help understanding our minimum spend strategies!

Restaurants: This is probably my favorite category-offer to take the whole bill every time you go out to eat with family or friends! It makes the server's job much easier having one bill, while all of your friends are happy to pay you back through their preferred online method/cash. Win-win...and you get to eat delicious food in the meantime!

Amazon/Wholesale: I've always found this to be the toughest category. You can definitely get an extra boost for your holiday shopping with this category-but even I know that $1,500 may not be realistic on shopping for gifts. Continue to shop for the whole apartment/house at Costco & Sam's Club...and know you can be a bit more generous with gifts when you're getting 10% cash back!

Maximizing category spend can be some of the easiest money you'll make this year. Go into each quarter with a plan on how you'll maximize your spending and make sure to remember to pay with the correct card.! With this mindset, you'll be well on your way to earning some side hustle cash for that extra car payment/bar tab/whatever you want to spend it on, we don't judge at Smart Money Seed!

We'd love to hear your success stories-how are you hustling to get ahead in life? Let us know if you have a story you'd like to share-we love to feature you guys on the blog!

8/15/18

*Disclaimer* This article contains affiliate links, meaning if you choose to utilize our link to sign up for a credit card, we will receive a commission at no additional cost to you.

Hello, Smart Money Squad! For those of you new to the points & miles game, we've got an article today that I think you'll enjoy. I tend to write articles about the highest-earning points cards in the industry because I find the most value in those cards. However, when it comes to getting approved for these cards, it can be a mixed bag for our readers. Banks have become more stingy in approving prospective customers due to credit thresholds-one of the MANY reasons it's imperative to start building your credit at a young age.

As many of you loyal Smart Money Seed readers are just starting out in your financial journey, it stands to reason that your credit may not be built to the level needed to be approved for these cards. Therefore, I've decided to do a deep dive on one of the most popular entry-level cards on the market today: the Discover It/Discover It Miles!

If you are a college student or just graduated, odds are you have received a mailer from Discover about their Discover It card. There's good reason for that-Discover tends to have a high approval rate for users with limited credit history & offer a generous first-year welcome bonus. Let's take a look at what the Discover IT has to offer:

Rotating 5% cash-back on up to $1,500 in purchases quarterly

Q1: Gas Stations/Wholesale Clubs

Q2: Grocery Stores

Q3: Restaurants

Q4: Amazon/Wholesale Clubs

All other purchases earn 1% unlimited cashback-Cashback NEVER EXPIRES!

Discover matches 100% of the cash back you earn for your first year-doubling your potential earnings!

Free monthly FICO credit score updates.

No annual fee & 0% APR for 14 months on purchases/balance transfers.

Discover's free FICO scorecard-a tool I use monthly!

While this card doesn't offer many of the direct travelling benefits you usually hear me talk about on Smart Money Seed, there's still a lot of value to be had when applying for this card. For starters, the rotating 5% cash back (10% cash back when factoring in the first-year 100% match by Discover) provides an immediate benefit to category spending. I'm confident in saying that no card on the market provides 10% cash back on gas or grocery spending-you'll only find that with the Discover IT!

For those of you that are in need of a first credit card to establish your credit or simply want to make some extra cash on the side, the Discover It is the card for you. It's got everything you would need in a no-hassle credit card: NO annual fee, 10% cash back on select categories for your first year & 2% cashback on EVERYTHING for your first year.

The Discover It resembles a great opportunity to dip your toes into the credit card market without stress. It's a card you can keep for the rest of your life, building your annual age of credit while earning you cash back on the side. With free FICO score updates monthly & no annual fee, it's a card I'd recommend to anybody that's interested in getting started with building credit.

If you have any questions about the Discover IT or credit cards in general, feel free to reach out to Smart Money Seed through social media or in the comments below. We love helping our readers-and want to help you get on the fast track to financial success!

Until next time, let us know if you'd like to hear us write about a certain topic! We're open to all suggestions & want to hear what you guys want from us.

8/8/18

As you probably know by now, I graduated college, moved back in with my parents, mowed lawns, and delivered ice some Sundays and holidays. My salary at the time was plenty to cover my $0 rent and other expenses (mainly beer), but I was focused on my goal to pay off my student loans ASAP.

I paid off my loans in a year and a half, moved out of the basement, and stopped the side jobs. Doesn't that go against what a personal finance influencer is supposed to advocate for? 😨 Aren't I supposed to squeeze every penny out of every single day and tell you how mowing lawns and delivering ice can change your life?

The fact of the matter is that mowing lawns and delivering ice can definitely change people's lives. It can if you're in some serious debt or struggling to make ends meet or just fired up about getting some extra cash. I'm extremely grateful to have had the opportunity to have those jobs which allowed me to pay off my loans so quickly and have a little fun along the way.

But at this point, I have the luxury to thing bigger picture. Sure, I wouldn't mind a few extra bucks here and there, but I would honestly probably just end up mostly spending it on more beer which would render my healthy lifestyle improvements useless.

Almost every minute I spent on the ice truck or behind the mower when I wasn't listening to the Tribe (and sometimes zoning out of even the Tribe game), I was thinking about building businesses.

It's something I talked about my whole life and something I had even begun to work toward with Smart Money Seed and 9vnow. Ideas would come and go for new businesses, ways to improve the projects I was working on, and what my next move should be. The inability to take immediate action on my thoughts drove me crazy.

Losing time out of my week chasing a few bucks that I could've spent learning about and building businesses to maximize my progress on my long term goal of becoming an entrepreneur just didn't seem to make sense anymore.

The reason I stopped maximizing my income is the same exact reason why I started. I wanted to go all in on my goals. Just like I was all in on my goal of paying off my student loans. And I needed to tailor my life to allow myself to completely buy in to my vision just like I did when I moved back home.

I'm not certain if I've made the correct decision. I likely won't know that for many years. I do know that I enjoy the hell out of building Smart Money Seed and all the highs and even the lows that come with it. I love interacting with entrepreneurs through our interviews and now dabbling in helping them with Facebook marketing.

I'm incredibly grateful to be able to focus on my long term goals and working toward my dream life that I hope to live in the next 5 years and not just the next 5 months. Not everybody has that luxury. I intend to take advantage of the opportunity in front of me to set myself up for levels of success I currently can only dream of.

If you could see some life changing benefits with a few extra bucks, check out my post 4 Ways To Beef Up Your Income, And How I've Used All 4.
If you're in a position to be able to focus more on your long-term goals, I want to hear from you. Leave us a comment or message us on Facebook and tell us what you're working toward and how you're designing your life to go all-in on your goals.

Maybe the Smart Money Squad will be able to hold you accountable and give you that extra push you need to get fired up about achieving exactly what you want.

7/26/18

*Disclaimer* This article contains affiliate links, meaning if you choose to utilize our link to sign up for a credit card, we will receive a commission at no additional cost to you.

Hello Smart Money Squad! We're back at it again with another credit card aimed at saving you some cash on your next travel adventure. This week, we're going to take a look at one of my favorite cards, the Capital One Venture.

This was one of the first cards I ever applied for when I initially got started earning points & miles. The reason why: the sign-up bonus is amazing! You can earn $500 on travel credit (50,000 Capital One points) that can be used to directly offset any travel purchase you make. That's right-ANY travel purchase. Those late-night Ubers home from the bar? Covered. Prefer booking a quick flight from Columbus-Chicago for $150? The Capital One Venture bonus covers that too.

The flexibility this card provides in redemption across all travel channels makes it a no-brainer to throw in my wallet. If my initial pitch hasn't convinced you to sign-up for the card, let's take a look under-the-covers & unlock why you need to add this card to your portfolio today.

Global Entry/TSA Precheck credit ($100 rebate when you signup using the card)

$95 annual fee, waived the first year

Let's break that down. The sign-up bonus of 50,000 miles + your $3,000 in spend gets you to $530 in redeemable travel miles. You can redeem these miles through the Capital One travel eraser feature, which is available on the Capital One website once you login. I don't know about you but $530 is motivation enough to hop on this offer. Add in the fact that I can use this towards ANY travel, not just a specific airline/hotel program, and I'm over the moon.

The effective 2% cashback makes this card a higher-earning card than many of the mainstream offerings on the market, including the Chase Freedom, Chase Freedom Unlimited, Amex Cash Magnet, etc. While I'd argue that you could maximize your spending across categories with separate cards, 2% is nothing to scoff at.

If you've traveled abroad, you know the importance of having a card with zero foreign transaction fees. Who wants to get nickeled and dimed at every turn, simply for spending YOUR OWN MONEY? Not me-and the Capital One Venture enables us to simply spend our own money, charging the effective exchange rate in US dollars on your purchases.

An exciting addition to the Venture's perks is the Global Entry/TSA Precheck $100 credit. I, like many of you, cannot stand waiting in the massive security lines at the airport. TSA Precheck has alleviated much of that pain for me. My time in line has evaporated, I'm not showing the airport my feet & my electronics stay in their bag. I plan on applying for Global Entry & utilizing this credit shortly, as I have a few international trips coming up. Skipping the LONG customs lines & breezing through the border is something I can look forward to, all for free with the Capital One Venture.

Last but not least, it's FREE for one year! Your annual fee is $95 normally but is waived for the first year, making the card a no-risk proposition (assuming you are a responsible cardholder that pays their bills on time). You've got no excuse now. Try this card out-I promise you won't be disappointed.

The Capital One Venture consistently shows up on top credit card lists because of its earning potential & large sign-up bonus. Not having to spend money on an annual fee while receiving $530 in value is rare in the points and miles game, which is why you should JUMP on this offer while you can. We are seeing a higher offer for this card (50,000 points) than what is typically offered. With the addition of the TSA Precheck/Global Entry credit, you'd be doing yourself a disservice if you plan on travelling at any point in the next 5 years.

Check this card out, and if you do, please use our link to apply. We utilize the revenue earned from these links to continue providing financial & travel advice for you guys, so anything you can do to help us out is greatly appreciated!